EMPLOYEE BENEFIT PROGRAMME
Better protection for your people. Better value for your business.
A well-structured employee benefits programme can help businesses support the health, wellbeing and financial security of their people while strengthening their overall employment proposition.
At I’n’I Advise, we work with employers to understand their workforce, objectives and budget, then help design insurance benefits that are practical, valuable and easy for employees to understand.
Employee benefits designed around your workforce
Employee benefits work best when they reflect the needs of both the organisation and its people.
We help businesses assess the protection they want to provide, understand available insurance options and establish programmes that are appropriate for their workforce and wider people strategy.
Depending on the programme selected, employee benefits may include access to private health insurance, life cover and income protection.
Employee Private Health Cover
Supporting access to private healthcare.
Employee private health cover can help give employees access to eligible private medical treatment, specialist consultations, diagnostic procedures and surgery, depending on the policy and programme selected.
For employers, providing access to health insurance can be a meaningful addition to an employee benefits package and demonstrate a genuine investment in employee wellbeing.
A programme may help provide access to:
- Private hospital treatment
- Specialist consultations
- Diagnostic testing and imaging
- Eligible surgical procedures
- Cancer treatment and specialist care, depending on the policy
- Broader health and wellbeing benefits where available
Employee Life Cover
Financial protection for employees and their families.
Employee life cover can provide a lump-sum benefit if an insured employee dies or, depending on the policy, is diagnosed with a terminal illness.
Offering life cover as part of an employee benefits programme can give employees greater financial reassurance while helping employers provide a meaningful benefit that extends beyond the workplace.
Life cover may help employees and their families with:
- Mortgage and debt repayment
- Ongoing household expenses
- Family financial commitments
- Immediate costs following a death
- Longer-term financial security
Employee Income Cover
Protect income when illness or injury prevents an employee from working.
Employee income cover can provide regular financial support when an eligible illness or injury prevents an employee from working, subject to the terms of the selected policy.
It can provide employees with greater financial stability during periods of incapacity while complementing other workplace benefits and available support.
When designing a programme, we help employers consider factors such as benefit levels, waiting periods, benefit periods and how cover interacts with other entitlements.
Income cover may help employees continue meeting:
- Mortgage or rent payments
- Household expenses
- Regular financial commitments
- Family living costs
- Everyday expenses during recovery
A structured approach to employee benefits
Understand your Organisationd
We start by understanding your workforce, objectives, existing benefits and the outcomes you want the programme to achieve.
Assess the Options
We consider appropriate insurance structures, benefit levels and programme options against your objectives and budget.
Design the Programme
We work with you to develop a benefits programme that is clear, practical and appropriate for your organisation.
Implement
We support the rollout, including employee communication, onboarding and administration requirements.
Support and Review
We remain involved after implementation, supporting ongoing administration, employee queries, reviews and claims where required.
Why I'n'I Advise
Advice that works for employers and employees.
Tailored programme design
We don’t take a one-size-fits-all approach. Recommendations are based on your organisation, workforce and objectives.
Clear communication
We help make insurance benefits easier for employees to understand and engage with.
Professional advice
Our advisers operate within New Zealand’s regulated financial advice environment and work with insurers to develop appropriate solutions.
Ongoing support
From implementation through to reviews and claims support, we stay involved throughout the life of the programme.